Transaction Frequency Analysis of Mobile Financial Services Among Small-Scale Crop Producers in the Eastern Ghats Hills, India: Implications for Tanzania

This study examines the use of mobile financial services among small-scale crop producers in the Eastern Ghats Hills, India, with particular interest in their transaction frequency and implications for similar contexts in Tanzania. A mixed-methods approach combining qualitative interviews with quantitative data analysis was employed to explore the behaviour of small-scale crop producers regarding their engagement with mobile financial services. Mobile financial service users reported a median of 10 transactions per month, highlighting moderate frequency of use. Factors such as access and awareness were significant in determining transaction levels. The findings suggest that enhancing accessibility and increasing awareness about mobile financial services could significantly increase their adoption among small-scale crop producers. Policy recommendations include improving infrastructure for mobile service delivery, promoting digital literacy programmes, and incentivizing service providers to reduce costs.